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Erste Group Bank AG (EBKDY)
OTHER OTC:EBKDY
Earnings Data
Report Date
Apr 30, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.36Last Year’s EPS
1.03Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a strongly positive operating and capital performance in 2025: record NII and fee income, robust loan and deposit growth, materially higher CET1 (19.3%), improved asset quality (NPL ratio 2.4%) and clear 2026 targets including elevated NII and ROTE ambitions for the enlarged group. However, several notable caveats temper the outlook: 2025 profits were boosted by one-off items, there are material integration costs and IFRS provisioning tied to the Polish consolidation, expected higher banking levies, and some regional/line-item uncertainties (fee classification from Poland, pricing competition in select markets). On balance the highlights materially outweigh the lowlights because core franchise momentum, capital strength, and clear 2026 targets dominate the narrative.Company Guidance
Record Revenues and Strong Core Income
Erste posted record revenues in 2025 driven by core lines: net interest income (NII) of almost EUR 7.8 billion (up ~3.5% year-on-year) and net fee income of nearly EUR 3.2 billion (up 8.6% y/y). Quarterly NII topped EUR 2.0 billion for the first time (Q4 NII +4.6% y/y, +2.7% q/q) and Q4 fees reached EUR 850 million (+9.1% y/y, +6.5% q/q).
Robust Profitability and Capital Generation
Reported net profit was EUR 3.5 billion in 2025 (underlying/net-of-onetime adjustments ~EUR 3.3 billion). Earnings per share reported EUR 8.24 (adjusted ~EUR 7.72). Return on tangible equity rose to 16.6% (from 16.3% a year earlier). CET1 ratio surged by over 400 basis points to 19.3% at year-end 2025.
Strong Balance-Sheet Growth
Customer loans increased by about EUR 14 billion (+6.4% in 2025) and customer deposits rose by more than EUR 11 billion (+4.7%). Loan-to-deposit ratio remained healthy at 91.7%.
High-Quality Retail Momentum
Retail loans grew 8.1% to EUR 115.4 billion in 2025; retail deposits climbed to EUR 173 billion (retail current account and savings deposits +7%–8% y/y; term deposits down ~6%). Digital platform George onboarded 11.4 million users and retail digital sales ratio reached 67%.
Asset Management and Markets Performance
Assets under management reached EUR 104 billion (passed EUR 100bn milestone in Q3). ECM/DCM teams executed 360 transactions with issuance volume of EUR 211 billion in 2025, supporting fee growth and franchise momentum.
Strong Asset Quality
Group NPL ratio improved to 2.4% (Q/Q and Y/Y improvement) supported by lower NPL inflows and higher recoveries; NPL coverage expected to remain close to ~70%.
Clear 2026 Financial Targets (ex-Poland and for Enlarged Group)
Guidance: for Erste excluding Poland: organic loan growth >5%, mid-single-digit NII growth, fee growth >5%, cost inflation target ~3% and improved cost/income ratio ~47%. For the enlarged group including Erste Bank Polska: NII north of EUR 11 billion, fees ~EUR 4 billion, costs ~EUR 7 billion, combined loan stock >EUR 285 billion by end-2026, and targeted ROTE around 19% with EPS uplift >20%.
Successful Funding and Capital Actions
Wholesale funding plan executed; January 2026 group-level issuances included EUR 750 million Tier 2 and EUR 750 million senior preferred. Strong profitability and retained earnings drove a CET1 capital increase of about EUR 4.5 billion in 2025.
EBKDY Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
EBKDY Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 26, 2026 | $61.90 | $61.12 | -1.26% |
Oct 31, 2025 | $49.18 | $51.80 | +5.33% |
Aug 01, 2025 | $46.10 | $45.93 | -0.36% |
Apr 30, 2025 | $34.10 | $32.81 | -3.78% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Erste Group Bank AG (EBKDY) report earnings?
Erste Group Bank AG (EBKDY) is schdueled to report earning on Apr 30, 2026, Before Open (Confirmed).
What is Erste Group Bank AG (EBKDY) earnings time?
Erste Group Bank AG (EBKDY) earnings time is at Apr 30, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is EBKDY EPS forecast?
EBKDY EPS forecast for the fiscal quarter 2026 (Q1) is 1.36.